Quick ReadSPY has compounded 241% over a decade while DGRW delivers monthly dividend income from quality companies, forming the growth core of a $350K retirement portfolio. A 50/25/25 split across the three funds delivers equity upside, rising income, and two-plus years of liquid reserves in one retirement engine. The WisdomTree U.S. Quality Dividend Growth Fund (NASDAQ:DGRW) handles rising income from quality companies. Tinpixels / Getty ImagesThe Growth Engine: SPYAt 58, you likely still have a 25-plus-year investing horizon when you include a normal retirement span. It targets U.S. companies with strong quality metrics (return on equity, return on assets, earnings growth) that also pay dividends.